Business Insurance for Owner Operators

Compare multiple quotes from top carriers with one application.
What kind of work do you do?
Owner operator in front of line of trucks.
Logos of Insureon's Partners
We partner with trusted A-rated insurance companies

Save money by comparing insurance quotes for owner-operators

An accident or lawsuit could devastate a small trucking business. Gain protection against the unexpected with insurance coverage that matches the risks of owner-operator truckers.

Owner-operator checking a document in front of their freight truck.
Light bulb

Get the right insurance

Insureon's licensed agents help owner-operators find policies that match the unique risks of the trucking industry. Fill out our online application to get quotes from top insurers and expert advice.

What types of business insurance do owner operators need? 

These insurance policies cover common risks faced by owner-operators.

Commercial auto insurance icon

Commercial auto insurance

This type of commercial truck insurance coverage can pay for a trucking company's legal defense costs in an accident. It can also cover vehicle theft and vandalism.

BEST FOR
  • Truck accidents
  • Vehicle theft
  • Physical damage coverage
General liability insurance icon

General liability insurance

This liability insurance coverage can help pay for third-party accidents, such as trips or falls in a dispatch office or on grounds used for storage.

BEST FOR
  • Third-party medical expenses
  • Third-party property damage
  • Libel and slander lawsuits
Looking for different coverage options? See more policies.

Why do owner operators need insurance?

Owner-operator truck insurance can cover lawsuits over physical damage, bodily injury, and accidental death, and also help you comply with laws and client contracts. Most states have insurance requirements for auto liability coverage, which can protect you from the high costs of an auto accident. You likely also need additional coverage, such as general liability insurance to defend against common third-party lawsuits.

What our customers are saying
"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
Michael D.
Programmer
"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
Esther L.
Management consultant
Insureon customer reviews on Feefo

Top trucking businesses we insure

Don't see your profession? Don't worry. We insure most businesses.

Compare insurance quotes for owner operators
Save money by comparing quotes from top-rated insurers.
What kind of work do you do?